What is Tekmerion

Tekmerion settles on-chain stablecoin payments for merchants without taking custody of their funds. A customer pays; the funds move directly to a destination the merchant has authorized; a signed Proof of Payment records the outcome.

The model in five assertions

Tekmerion relays signatures; it does not hold funds. A merchant authorizes its settlement destinations once, by signing an EIP-712 message during onboarding. From then on, Tekmerion relays execution to the chain on the merchant's behalf against that authorization. It never custodies, pools, or commingles merchant funds. See Factory authorisation.

Funds move wallet-to-wallet. Each payment is bound to a deterministic deposit address. A customer's deposit at that address is swept directly to a merchant-approved destination, or refunded directly to the customer. No Tekmerion-held balance sits in the path.

The merchant owns the compliance decision. Tekmerion performs sanctions and geoblock screening on the source of funds, then asks the merchant's endpoint for a per-transaction decision. Whether an observed deposit sweeps to the merchant or refunds to the customer is the merchant's call; Tekmerion relays it and cannot override it. See KYT webhook.

The protocol fee is collected on-chain. Fee collection happens in the same on-chain execution that settles the payment. There is no off-chain invoice and no separate settlement ledger to reconcile against.

Proof of Payment is the terminal artifact. Every finalized payment yields a signed Proof of Payment — a self-contained record that can be verified against the chain without trusting Tekmerion. The Proof of Payment, not any webhook, is the authoritative outcome of a payment. See Proof of Payment.

What this means for an integration

A merchant integrates by creating a payment intent through the API, directing the customer to a hosted checkout, returning a compliance decision when Tekmerion asks for one, and reconciling the outcome against the API and the signed Proof of Payment. The notification webhook is a convenience signal along the way — never the source of truth.

The full set of surfaces, and which side calls which, is the Integration surface map.

Availability

Tekmerion is live settlement infrastructure in controlled early access. The architecture described in these docs is the production system. Access is provisioned per merchant during onboarding — reach out to your onboarding contact to get started.

Each environment — sandbox and production — has its own set of signing keys. Sandbox environments use ephemeral keys for integration testing; the JWKS endpoint for each environment reflects the active signing key — see Signing and key discovery.

Where to start

• Quickstart — a minimal end-to-end path from intent to Proof of Payment.
• Integration surface map — every surface you integrate against, and its call direction.
• How it works — deterministic deposit addresses, on-chain fees, and the structural limits.